When dd1 was going (to catered halls), I had just won a £125 Matalan voucher here on mumsnet, and that covered everything she needed which was great! With dd2 we went to Ikea and giggled at all the other parent-teenager duos 
I feel shopping with ds is going to be a bit different, lol, more "why do I need that?" rather than "ooh, can I have this?" 
With both the older two, they had some basic insurance built in to their halls rent for their first year, and we didn't get anything else that year. Ds is likely to be taking his desktop computer and a laptop (although nothing else valuable!) and I was wondering whether it would be sensible to get more insurance for him, particularly thinking of any times when he might come home or go elsewhere and leave his desktop in his room. Any thoughts on insurance?